State protections
Debt collection protections in Florida
What Florida adds on top of the federal FDCPA, and how to use it. Last reviewed July 22, 2026.
The short version
The FCCPA mirrors and, in places, exceeds the federal FDCPA — it reaches original creditors and lets consumers recover statutory damages for violations.
Florida Consumer Collection Practices Act — Fla. Stat. §§559.55–559.785
What Florida adds on top of the FDCPA
- Applies to creditors collecting their own debts, not just agencies.
- Statutory damages up to $1,000 plus actual (and possible punitive) damages.
- Prohibits contacting a consumer known to be represented by counsel.
Can you record a collector's call in Florida?
Not without everyone's agreement. All parties must consent before a private conversation is recorded. Read the detail for Florida.
Document it while it's happening
State overlays only help if you can show what happened. Log each contact with its date and time and Collector Audit checks it against both the FDCPA and Florida's rules.
Start a fileStop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.
This is general information, not advice
Collector Audit is not a law firm and this page is not legal advice. Statutes change and summaries can't capture how a rule applies to your facts. See all states and our disclaimer.